Interest Rates Effective March 10, 2021
Loan Rates
Auto and Truck Loans
| Model Year | Interest Rate as low as* | Maximum Term | Monthly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| 2018 - NEW | 3.39% | 84 Months | $133.90 | $70 | 3.60% |
| 2018 - NEW | 3.39% | 72 Months | $153.69 | $70 | 3.63% |
| 2016 - 2017 | 3.39% | 60 Months | $181.43 | $70 | 3.68% |
| 2015 and older | 3.39% | 48 Months | $223.07 | $70 | 3.74% |
Motorcycle and ATV Loans
| Model Year | Interest Rate as low as* | Maximum Term | Montly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| 2017-NEW | 5.39% | 60 Months | $192.50 | $70 | 5.68% |
| Pre-2017 | 5.79% | 36 Months | $306.75 | $70 | 6.26% |
Recreational Vehicle Loans--Motorhomes, Trailers and Boats
| Model Year | Interest Rate as low as* | Maximum Term | Monthly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| New | 5.39% | 120 Months | $108.85 | $70 | 5.55% |
| Used | 5.79% | 72 Months | $166.34 | $70 | 6.04% |
* Rate shown includes 0.50% for automatic payments from a 1st National Bank Account.
** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $70 loan fee.
Home Equity Lines of Credit
| 90% | Prime + 0% | 120 Months | $27.08 | $99 | 3.28% |
* Combined Loan-to-Value (CLTV) of the first and second mortgages.
** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $99 loan fee.
*** Prime Rate is a variable rate of interest based upon the Wall Street Journal Prime Rate and is subject to change at any time. The Prime rate as of February 2, 2021 was 3.25%.
****A $99 annual fee may apply.
CD Rates
| Bonus Rates for Clients with Checking Accounts* | APY | Rate |
|---|---|---|
| 11 Months | 0.60% | 0.60% |
| 4 to 5 Years | 0.80% | 0.80% |
| 2 to 3 Years | 0.70% | 0.70% |
| 1 to 2 Years | 0.60% | 0.60% |
| 6 to 12 Months | 0.50% | 0.50% |
| If you don't have a checking account | APY | Rate |
|---|---|---|
| 11 Months | 0.40% | 0.40% |
| 4 to 5 Years | 0.30% | 0.30% |
| 2 to 3 Years | 0.25% | 0.25% |
| 1 to 2 Years | 0.20% | 0.20% |
Savings
| over $24,999 | 0.20% | 0.20% |
| over $9,999 | 0.10% | 0.10% |
| up to $9,999 | 0.05% | 0.05% |
| Checking Accounts with interest | 0.05% | 0.05% |
| Money Market Account $100,000+ | 0.40% | 0.40% |
| $50,000 to $99,999 | 0.30% | 0.30% |
| $25,000 to $49,999 | 0.20% | 0.20% |
| $10,000 to $24,999 | 0.10% | 0.10% |
| up to $9,999 | 0.05% |
*Checking account must have an average balance of $1,000. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account.
See Rules and Regulations for more details.
